Bear Sen$e --Joe’s planning to make a video that generates millions of hits. Unfortunately, Joe’s ambition vastly surpasses his skills. While the video will in fact go viral, Joe will have no memory of it. In addition to a broken wrist, and left femur and two shattered vertebrae, a nasty concussion will wipe his memory slate clean.
Why do you care? Because without the owner's knowledge, Joe built this ramp on your client's property. Soon they'll be contacted by Joe’s attorney. At that moment your client will experience one of two emotions: “Thank God I have an umbrella policy,” or “Oh crap, I don’t have an umbrella policy.”
Umbrella insurance (personal and commercial) is some of the cheapest insurance you can buy, and the protection it affords can be miraculous. If you discover a client has dropped their policy or consider themselves “self-funded,” STOP! Don’t pass Go, don’t collect $200 before contacting their P&C agent.
Bear Sen$e Mark Alan Griffis
